Underwriting Overwegingen voor Term Life Insurance


Dat de meeste Amerikanen een eenvoudige en goedkope vorm van een levensverzekering te kopen is goed ingeburgerd, maar hoe precies om het juiste beleid te vinden is minder goed begrepen.

Het is één ding om een ​​lage offerte voor levensverzekeringen, however qualifying for that potential life insurance policy is the real key to getting that price. Those low numbers are usually shown as being the best class available, maar veel Amerikanen niet in staat om de kwaliteit voor de beste gezondheid klasse.

Wat is nu precies een levensverzekering gezondheid klasse and what does it have to do with term life insurance?

Your life insurance health class is a classification system that assists life insurers in rating proposed life insurance policies. It takes into account many common health considerations. There are four main life insurance health classes: Preferred Plus (de beste en laagste costing), voorkeur, Standard Plus, and Standard. Beyond these four classes are the so called Table Ratings. Each of the four health classes listed above are further broken down into Tobacco or Non Tobacco use.





Term Life Insurance





There are lots of criteria that go into the underwriting of your health class. The first, die vaak de meest voor de hand liggende, is your weight. Your weight matters more than most people would think it does because overweight people experience increased risk of all sorts of illnesses such as diabetes. If an insurance agent knows nothing else about your health situation, your height and weight may be the biggest single indicator. Each insurance company will maintain their own height weight chart and limits that they will accept for each health class. A difference of just a few pounds, zou kunnen betekenen dat een honderd dollar meer per jaar in de jaarlijkse premie kosten.

Your general health history also matters greatly. Have you had any major conditions, zoals hartaanvallen, of Strokes? Do you have any ongoing current issues such as Asthma or Cancer? The more major the condition the more important, but really all health conditions matter. Insurance carriers generally prefer to see a condition is being treated and that the applicant is following the prescribed plan. In other words are refilling the prescription on time each and every month?





Geloof het of niet, your direct family’s health history matters as well. Have your mom or dad had conditions such cardiovascular issues or various cancers?

There are several tests that most life insurance companies will run when completing a paramedical exam. A paramedical exam is an exam done either at the client’s place of business or home at a time of their choosing. Typically paramed exams are done for free. One thing that will take place at your exam is that they will take your blood pressure. A blood pressure reading that is either too high or too low could indicate possible issues and life insurance companies may rate you based on these results.





Cholesterol is another important health consideration. Many seemingly perfectly healthy people unknowingly have high cholesterol. Ask your doctor about your cholesterol levels to ensure that get the best rate possible. Generally your cholesterol will be taking during your medical exam. There are numerous other medical tests that will be performed, met inbegrip van het testen van je bloed en of urine voor recepten en nonprescription drugs.

There are other non-health related considerations such as what you like to do on your time off. Certain activities such as Scuba Diving, Sky Diving, en Rock Climbing, afhankelijk van wanneer u voor het laatst ging, hoe vaak ga je, may mean that you need to pay more for life insurance. When in doubt ask your life insurance agent about the types of activities that you do and if they are a concern for your proposed life insurer. Insurance companies occasionally have differences of opinion about this, dus het kan betalen om te vragen voordat u kiezen van een verzekeringsmaatschappij te vragen.





Rijden is ook een duidelijke aandacht voor alle levensverzekeraars, as people that have more tickets tend to get into more accidents and hence need to pay more for term life insurance. When was your last ticket? How many tickets do you have? Uw melding motorvoertuig de verzekeringsmaatschappij zal toestaan ​​dat een blik in je verleden rijervaring. Vragen aan uw verzekeringsagent over je verleden rij-record kan bespaart u big time.

Een laatste belangrijke overweging bij het bepalen van uw levensverzekering gezondheid klasse, is what you do for a living. Do you do something dangerous for a living? Obvious career issues might be a stunt driver, maar commerciële luchtvaartmaatschappij piloten kunnen ook een bron van zorg voor het leven verzekeringsmaatschappijen. Neem contact op met uw agent.





Al deze verschillende factoren helpen bij het bepalen van uw aanvaardbaarheid, levensverzekeringen gezondheid klasse, and hence what you will pay for life insurance. It is in your best interest, als consument, om te weten wat de acceptatiecriteria zijn, so that you may prepare yourself with all of the information needed and to make your best case. Clients that are educated about life insurance tend to secure a lower yearly premium and save money.

Scott W Johnson is de eigenaar van WholeVsTermLifeInsurance.com a comparative life insurance website. Johnson is an advocate of consumer insurance education and writes frequently about the differences between Whole, universeel, en Term Life Insurance. Het motto van Whole Vs term is “Life Insurance is Complex, Don’t Get Lost.” Johnson can be found on twitter @marindependent1


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